/***Program: tu_formats.sas
    Purpose: Gives labels to all categorical variables in TransUnion datafiles.  To use
             the labels you must use 
             '%include "/data/tu_formats.sas"' 
             in sas program you are running.*/

proc format;
    value $status
        'PD' = 'Paid'
        'UK' = 'Unknown'
        'DM' = 'Dismissed'
        'UP' = 'Unpaid'
        'DP' = 'Disputed'
        'BL' = 'Discharged in bankruptcy'
        'BK' = 'Included in bankruptcy'
        'CD' = 'Disputed account'
        'WE' = 'Wage earner plan account';
    value $ecoa
        'A' = 'Authorized user of shared account'
        'C' = 'Joint contractual liability'
        'I' = 'Individual account'
        'M' = 'Account for which subject is liable but co-signer liable for defaults'
        'P' = 'Shared account not distinguished as C or A'
        'S' = 'Subject of co-signer and liable if maker defaults'
        'T' = 'Relationship with account terminated'
        'U' = 'Undesignated'
        'X' = 'Deceased';
    value $prectyp
        'AM' = 'Attachment'
        'CB' = 'Civil Judgment in Bankruptcy'
        'CJ' = 'Civil Judgment'
        'CP' = 'Child Support'
        'CS' = 'Civil Suit Filed'
        'DF' = 'Dismissed Foreclosure'
        'DS' = 'Dismissal of Court Suit'
        'FC' = 'Foreclosure'
        'FD' = 'Forcible Detainer'
        'FF' = 'Forcible Detainer Dismissed'
        'FT' = 'Federal Tax Lien'
        'GN' = 'Garnishment'
        'HA' = 'Homeowners Association Assessment Lien'
        'HF' = 'Hospital Lien Satisfied'
        'HL' = 'Hospital Lien'
        'JL' = 'Judicial Lien'
        'JM' = 'Judgment Dismissed'
        'LR' = 'A Lien Attached to Real Property'
        'ML' = 'Mechanics Lien'
        'PC' = 'Paid Civil Judgment'
        'PF' = 'Paid Federal Tax Lien'
        'PG' = 'Paving Assessment Lien'
        'PL' = 'Paid Tax Lien'
        'PQ' = 'Paving Assessment Lien Satisfied'
        'PT' = 'Puerto Rico Tax Lien'
        'PV' = 'Judgment Paid, Vacated'
        'RL' = 'Release of Tax Lien'
        'RM' = 'Release of Mechanics Lien'
        'RS' = 'Real Estate Attachment Satisfied'
        'SF' = 'Satisfied Foreclosure'
        'SL' = 'State Tax Lien'
        'TB' = 'Tax Lien Relieved in Bankruptcy'
        'TC' = 'Trusteeship Canceled'
        'TL' = 'Tax Lien'
        'TP' = 'Trusteeship Paid'
        'TR' = 'Trusteeship'
        'TX' = 'Tax Lien Revived'
        'WS' = 'Water and Sewer Lien'
        '1D' = 'Chapter 11 Bankruptcy Dismissed'
        '1F' = 'Chapter 11 Bankruptcy Filing'
        '1V' = 'Chapter 11 Bankruptcy Voluntary Discharge'
        '1X' = 'Chapter 11 Bankruptcy Discharge'
        '2D' = 'Chapter 12 Bankruptcy Dismissed'
        '2F' = 'Chapter 12 Bankruptcy Filing'
        '2V' = 'Chapter 12 Bankruptcy Voluntary Discharge'
        '2X' = 'Chapter 12 Bankruptcy Discharge'
        '3D' = 'Chapter 13 Bankruptcy Dismissed'
        '3F' = 'Chapter 13 Bankruptcy Filing'
        '3V' = 'Chapter 13 Bankruptcy Voluntary Discharge'
        '3X' = 'Chapter 13 Bankruptcy Discharge'
        '7D' = 'Chapter 7 Bankruptcy Dismissed'
        '7F' = 'Chapter 7 Bankruptcy Filing'
        '7V' = 'Chapter 7 Bankruptcy Voluntary Discharge'
        '7X' = 'Chapter 7 Bankruptcy Discharge'
        'XO' = 'Automatic Delete';
    value $assoccd
        'A' = 'Automated'
        'C' = 'Closed'
        'D' = 'Declined'
        'F' = 'Repossessed, written off'
        'I' = 'Indirect'
        'M' = 'Manually frozen'
        'N' = 'No record'
        'P' = 'Paid out'
        'R' = 'Reported but not verified'
        'S' = 'Slow answering'
        'T' = 'Terminated'
        'V' = 'Verified'
        'X' = 'No reply';
    value $acctype
        'C' = 'Check credit (line of credit)'
        'I' = 'Installment'
        'M' = 'Mortgage'
        'O' = 'Non-revolving charge'
        'R' = 'Revolving';
    value $oldmop
        '00' = 'Not rated, too new, or not used'
        '01' = 'Pays as agreed'
        '02' = '30-59 days past due'
        '03' = '60-89 days past due'
        '04' = '90-119 days past due'
        '05' = '120 days or more past due'
        '07' = 'Making regular payments under wage earner plan or similar arrangement'
        '08' = 'Repossession'
        '8A' = 'Voluntary repossession'
        '8D' = 'Legal respossession'
        '8P' = 'Paying or paid account with MOP 08'
        '09' = 'Charged off to bad debt'
        '9B' = 'Collection account'
        '9P' = 'Paying or paid account with MOP 09'
        'UC' = 'Unclassified'
        'UR' = 'Unrated';
    value mop
        0 = 'Not rated, too new to rate, or approved but not used'
        1 = 'Pays (or paid) within 30 days of billing/pays as agreed'
        2 = 'Pays (or paid) between 30 and 60 days of billing, or not more than 1 payment past due'
        3 = 'Pays (or paid) between 60 and 90 days, or 2 payments past due'
        4 = 'Pays (or paid) between 90 and 120 days, or 3 or more payments past due'
        5 = 'Pays (or paid) in 120 days or more'
        7 = 'Making regular payments under wage earner plan or similar arrangement'
        9 = 'Bad debt, placed for collection, suit, judgment, bankrupt, skip';
    value $loantypt
        'AC' = 'Opens Account'
        'AF' = 'Appliance/Furniture'
        'AG' = 'Collection Agency Attorney'
        'AL' = 'Auto Lease'
        'AP' = 'Airplane'
        'AR' = 'Auto Loan ? Refinanced'
        'AT' = 'Auto Loan ? Equity Transfer'
        'AU' = 'Automobile'
        'AX' = 'Agricultural Loan'
        'BC' = 'Business Credit Card'
        'BL' = 'Revolving Business Lines'
        'BT' = 'Boat'
        'BU' = 'Business'
        'CA' = 'Camper'
        'CB' = 'Combined Credit Plan'
        'CC' = 'Credit Card'
        'CE' = 'Commercial Line of Credit'
        'CG' = 'Commercial Credit Obligation'
        'CH' = 'Charge Account'
        'CI' = 'Commercial Installment Loan'
        'CK' = 'Checking Account Type of Loan'
        'CL' = 'Credit Line'
        'CM' = 'Comaker'
        'CN' = 'Credit Clinic'
        'CO' = 'Consolidation'
        'CP' = 'Child Support'
        'CR' = 'Conditional Sales Contract ? Refinance'
        'CS' = 'Conditional Sales Contract'
        'CV' = 'Conventional Real Estate Mortgage'
        'CW' = 'Credit Watch'
        'CX' = 'Charged Off Checking Account'
        'CY' = 'Commercial Mortgage'
        'DB' = 'Dunn and Bradstreet'
        'DC' = 'Debit Card'
        'DR' = 'Deposit Related'
        'DS' = 'Debt Counseling Service'
        'EM' = 'Employment'
        'EQ' = 'Equipment'
        'FA' = 'Farm Equipment'
        'FC' = 'Factoring Company Account'
        'FE' = 'Attorney Fees'
        'FH' = 'FHA Loan'
        'FI' = 'FHA Home Improvement'
        'FM' = 'Family Support'
        'FR' = 'FHA Real Estate Mortgage'
        'FS' = 'Finance Statement'
        'FT' = 'Fact Inquiry'	
        'GA' = 'Government Employee Advance'
        'GE' = 'Government Fee for Services'
        'GF' = 'Government Fines'
        'GG' = 'Government Grants'
        'GH' = 'Fraud Check REQ & GAD Report'
        'GO' = 'Government Overpayment'
        'GS' = 'Government Secured'
        'GU' = 'Government Secured Guar/Dir'
        'GV' = 'Government'
        'HE' = 'Home Equity Loan'
        'HG' = 'Household Goods'
        'HI' = 'Home Improvement'
        'HK' = 'HAWK Match Received'
        'HW' = 'Building Material/Hardward'	
        'IN' = 'Insurance'
        'IS' = 'Installment Sales Contract'	
        'LC' = 'Line of Credit'
        'LE' = 'Lease'
        'LI' = 'Lender-Placed Insurance'
        'LS' = 'Credit Line Secured'        
        'MB' = 'Mobile Home'
        'MC' = 'Miscellaneous'
        'MD' = 'Medical Debt'
        'MT' = 'Motor Home'	
        'NT' = 'Note Loan'	
        'PI' = 'Property Improvement Plan'
        'PL' = 'Personal Loan'
        'PO' = 'Paid Out'
        'PR' = 'Personal Loan-Refinanced'
        'PS' = 'Partly Secured'	
        'RA' = 'Rental Agreement'
        'RC' = 'Returned Check'
        'RD' = 'Recreational Merchandise'
        'RE' = 'Real Estate'
        'RL' = 'Real Estate ? Junior Liens'
        'RM' = 'Real Estate Mortgage'
        'RT' = 'Real Estate Loan ? Equity Transfer'
        'RV' = 'Recreational Vehicle'	
        'SA' = 'Summary of Accounts ? Same Status'
        'SC' = 'Secured Credit Card'
        'SE' = 'Secured'
        'SH' = 'Secured by Household Goods'
        'SI' = 'Secured Home Improvements'
        'SK' = 'Skip'
        'SM' = 'Second Mortgage'
        'SO' = 'Secured by Household Goods & Collateral'
        'SS' = 'Scoresearch'
        'ST' = 'Student Loan'
        'SU' = 'Spouse Support'
        'SV' = 'Savings Book, Stock, etc.'	
        'TR' = 'Trace Inquiry'
        'TS' = 'Time Shared Loan'	
        'UC' = 'Utility Company'
        'UK' = 'Unknown'
        'US' = 'Unsecured'	
        'VA' = 'V.A. Loan'
        'VM' = 'V.A. Real Estate Mortgage'	
        'WT' = 'Watch Inquiry'	
        'YY' = 'Collection';
    value $dispcd
        'AA' = 'Repaired still doesnt work'
        'AAP' = 'Loan assumed by another party'
        'AB' = 'Merchandise returned, never credited'
        'AC' = 'Acct consolidated'
        'ACQ' = 'Acquired from another lender'
        'ACR' = 'Acct closed due to refinance'
        'ACT' = 'Acct closed due to transfer'
        'AD' = 'Mdse returned, no replacement received'
        'AE' = 'Mdse returned, no credit for financed'
        'AF' = 'Mdse returned, no credit for shipment'
        'AFR' = 'Acct acquired by RTC/FDIC'
        'AG' = 'Mdse returned, only partial credit'
        'AH' = 'Bal disputed, finance charges'
        'AI' = 'Pmts made but not credited'
        'AID' = 'Account information disputed by consumer'
        'AJ' = 'Statements never received'
        'AJP' = 'Adjustment pending'
        'AJX' = 'Adjustment pending'
        'AK' = 'No Msde received'
        'AL ' = 'All Msde not received'
        'AM' = 'Msde repo, balance deficiency'
        'AMD' = 'Active military duty'
        'AN' = 'Amt confused with relative'
        'AND' = 'Affected by natural disaster'
        'AOA' = 'Attorney or outside agency acct'
        'AP' = 'Amt confused with other name'
        'AR' = 'No knowledge of acct'
        'AS' = 'Judgement obtained'
        'ASM' = 'Loan assumption'
        'AT' = 'Disputes claim or balance'
        'BCD' = 'Bankruptcy; dispute of account information; account closed by consumer'
        'BDC' = 'Bad debt, collection suit'
        'BDI' = 'Bad debt not covered by insurance'
        'BDM' = 'Bad debt paid by maker'
        'BKC' = 'Bankruptcy; account closed by consumer'
        'BKD' = 'Bankruptcy; dispute of account information'
        'BKL' = 'Bankruptcy'
        'BKW' = 'Bankruptcy withdrawn'
        'BRC' = 'Bankruptcy; dispute resolved; cosumer disagrees; account closed by consumer'
        'BRR' = 'Bankruptcy; dispute resolved; consumer disagrees'
        'BTA' = 'Bal transferred to another acct'
        'CAD' = 'Dispute of account information; account closed by consumer'
        'CAG' = 'Claim/pmt against guarantor'
        'CBC' = 'Acct closed by consumer'
        'CBD' = 'Dispute resolved; consumer disagrees; account closed by consumer'
        'CBG' = 'Cancelled by credit grantor'
        'CBL' = 'Chap 7 bankruptcy'
        'CBR' = 'Chap 11 bankruptcy'
        'CBT' = 'Chap 12 bankruptcy'
        'CCA' = 'Consumer counseling acct'
        'CCC' = 'Coll agency cancelled by creditor'
        'CCD' = 'Chapter 7 bankruptcy; account closed by consumer'
        'CCG' = 'Contact credit grantor'
        'CD' = 'Dispute, following resolution'
        'CDC' = 'Chapter 7 bankruptcy; dispute of accosunt information; account closed by consumer'
        'CDD' = 'Chapter 11 bankruptcy; account closed by consumer'
        'CDL' = 'Chapter 7 bankruptcy; dispute of account information'
        'CDR' = 'Chapter 11 bankruptcy; dispute of account information'
        'CDT' = 'Chapter 12 bankruptcy; dispute of account information'
        'CED' = 'Chapter 12 bankruptcy; account closed by consumer'
        'CFD' = 'Account in dispute; closed by consumer'
        'CHK' = 'Returned check'
        'CLA' = 'Placed for collection'
        'CLB' = 'Contingent liability, corporate default'
        'CLC' = 'Acct closed'
        'CLO' = 'Closed'
        'CLS' = 'Credit line suspended'
        'CNR' = 'Contract not as represented'
        'COL' = 'Collection acct'
        'CPB' = 'Customer pays balance in full each month'
        'CPM' = 'Collection paid by merchant or dealer'
        'CPP' = 'Collection acct. payment plan'
        'CRC' = 'Chaper 11 bankruptcy; dispute of account information; account closed by consumer'
        'CRD' = 'Chapter 7 bankruptcy; dispute resolved; consumer disagrees; account closed by '
        'CRL' = 'Chapter 7 bankruptcy; dispute resolved; consumer disagrees'
        'CRR' = 'Chapter 11 bankruptcy; dispute resolved; consumer disagrees; account closed'
        'CRT' = 'Chapter 12 bankruptcy; dispute resolved;'
        'CRV' = 'Chapter 11 bankruptcy, dispute resolved, consumer disagrees'
        'CSA' = 'Co-signed acct'
        'CSF' = 'Civil suit filed'
        'CTC' = 'Chapter 12 bankruptcy; dispute of account'
        'CTR' = 'Acct closed, transferred or refinanced'
        'CTS' = 'Contact subscriber'
        'CTV' = 'Chapter 12 bankruptcy; dispute resolved;'
        'CTX' = 'Contact subscriber'
        'CWC' = 'Current acct was collection'
        'DDR' = 'No description on file'
        'DEC' = 'Deceased'
        'DGR' = 'Dispute reported by subscriber'
        'DGX' = 'Dispute reported by subcriber'
        'DIS' = 'Dispute, following resolution'
        'DLF' = 'Deed in lieu of foreclosure'
        'DLU' = 'Deed in lieu'
        'DM' = 'Dismissed'
        'DP' = 'Dispute, resolution pending'
        'DRC' = 'Dispute resolved, customer disagrees'
        'DRG' = 'Dispute resolved, reported by grantor'
        'DRP' = 'Dispute, resolution pending'
        'DRS' = 'Dispute resolved'
        'DRX' = 'Dispute resolved, customer disagrees'
        'ELN' = 'Education loan'
        'ER' = 'Election of remedy'
        'ERX' = 'Election of remedy'
        'ET' = 'Early termination'
        'ETA' = 'Early termination with a deficiency'
        'ETB' = 'Early termination/balance owing'
        'ETD' = 'Early termination by default'
        'ETI' = 'Early termination/insurance loss'
        'ETO' = 'Early termination/obligation satisfied'
        'ETS' = 'Early termination/status pending'
        'FCL' = 'Foreclosure'
        'FFB' = 'Family farm bankruptcy'
        'FHA' = 'FHA claim filed'
        'FHI' = 'FHS home improvement loan'
        'FPD' = 'Foreclosure proc discontinued'
        'FPI' = 'Foreclosure proc initiated'
        'FPS' = 'Foreclosure proc started'
        'FRD' = 'Foreclosure redeemed'
        'FTB' = 'Full termination/balance owing'
        'FTO' = 'Full termination/obligation satisfied'
        'FTS' = 'Full termination/status pending'
        'GEA' = 'Govt employee advance'
        'GFS' = 'Govt fee for service'
        'GGG' = 'Govt grant'
        'GMD' = 'Govt misc debt'
        'GOF' = 'Govt fines'
        'GOP' = 'Govt overpayment'
        'GVC' = 'Govt confiscation'
        'HEQ' = 'Home equity loan'
        'IA' = 'Closed inactive acct'
        'IB' = 'Interest bearing'
        'ICP' = 'Insurance claim pending'
        'INA' = 'Inactive account'
        'INC' = 'Insurance claim'
        'INP' = 'Debt being paid through insurance'
        'INS' = 'Paid by insurance'
        'IRB' = 'Involuntary repossession/balance owing'
        'IRE' = 'Involuntary repossession'
        'IRO' = 'Involuntary repossession/obligation satisfied'
        'JUD' = 'Judgement obtained'
        'JUG' = 'Judgement granted'
        'LBR' = 'Lease broken, mdse returned'
        'LEA' = 'Lease'
        'MCC' = 'Managed by credit coun service'
        'MOV' = 'Moved left no forwarding addr'
        'ND' = 'No dispute'
        'NIB' = 'Non interest bearing'
        'NIR' = 'Student loan not in repayment'
        'NIX' = 'Student loan not in repayment'
        'NPA' = 'Now paying'
        'OFS' = 'Obligation of former spouse'
        'PAL' = 'Purchased by another lender'
        'PBB' = 'Primary borrower bankrupt'
        'PBD' = 'Paid but delinquent'
        'PCL' = 'Paid collection'
        'PDD' = 'Paid by dealer'
        'PDE' = 'Payment deferred'
        'PDI' = 'Payment deferred/interest only payment'
        'PFC' = 'Paid from collateral'
        'PLL' = 'Prepaid lease'
        'PLP' = 'Profit and loss, now paying'
        'PNR' = 'First payment never received'
        'POA' = 'Paying on acct'
        'PPA' = 'Paying partial pmt agreement'
        'PPC' = 'Paying by co-maker'
        'PPD' = 'Paid by co-maker'
        'PPL' = 'Paid profit and loss'
        'PRD' = 'Payroll deduction'
        'PRL' = 'Profit and loss write off'
        'PTD' = 'Personal circumstances resulted in delinquency'
        'PWG' = 'Acct pmt, wage garnishment'
        'RAC' = 'Restitution acct'
        'RDP' = 'Deficiency bal pd by consumer'
        'REA' = 'Reaffirmed, was in bankruptcy petition'
        'REP' = 'Substitute/replacement account'
        'RFN' = 'Refinanced'
        'RLD' = 'Paid Repossession'
        'RLP' = 'Repo, proceeds applied to debt'
        'RPD' = 'Paid repossession'
        'RPF' = 'Legal repo - foreclosure'
        'RPO' = 'Repossession'
        'RRE' = 'Repossession, redeemed'
        'RS' = 'Dispute resolved'
        'RVC' = 'Voluntary surrender, cust claim'
        'RVD' = 'Returned voluntarily, pd by dealer'
        'RVE' = 'Voluntary surrender, economic problems'
        'RVN' = 'Returned voluntarily'
        'RVP' = 'Returned voluntarily, proceeds applied to debt'
        'RVR' = 'Returned voluntarily, redeemed'
        'SBB' = 'Secondary borrower bankrupt'
        'SDL' = 'Govt secured direct loan'
        'SET' = 'Settled for less than full bal'
        'SGL' = 'Govt secured guaranteed'
        'SIL' = 'Simple interest loan'
        'SK' = 'Skip out of acct'
        'SLA' = 'Student loan acct'
        'SLD' = 'Student loan default'
        'SLP' = 'Student loan permanently assigned to the Govt'
        'SPD' = 'Student payment deferred'
        'SPL' = 'Single payment loan'
        'SRG' = 'Student loan retured by Govt'
        'STL' = 'Stolen/lost credit card'
        'STU' = 'Education claim filed'
        'TRL' = 'Transferred to another lender'
        'TRP' = 'Transfer'
        'TTR' = 'Transferred to recovery'
        'UDL' = 'Govt unsecured direct loan'
        'UGL' = 'Govt unsecured guarantee'
        'VAL' = 'VA real estate mortgage loan'
        'VAR' = 'Variable rate loan'
        'VCC' = 'Vehicle reported lost, conventional claim'
        'VPD' = 'Verification pending'
        'VPI' = 'Vehicle reported lost, claim paid by insurance'
        'WCD' = 'Chapter 13 wage earner plan bankruptcy;'
        'WEP' = 'Wage earner plan acct (ch 13)'
        'WPC' = 'Chapter 13 wage earner plan bankruptcy'
        'WPD' = 'Chapter 13 wage earner plan bankruptcy'
        'WRC' = 'Chapter 13 wage earner plan bankruptcy'
        'WRR' = 'Chapter 13 wage earner plan bankruptcy';
    value $kob
        'A' = 'Automotive'
        'B' = 'Banks'
        'C' = 'Clothing'
        'D' = 'Dept & Variety'
        'E' = 'Education'
        'F' = 'Finance'
        'G' = 'Groceries'
        'H' = 'Home Furnishing'
        'I' = 'Insurance'
        'J' = 'Jewelry & Cameras'
        'K' = 'Contractors'
        'L' = 'Lumber'
        'M' = 'Medical or health-related'
        'N' = 'National Credit Card'
        'O' = 'Oil & National Credit Card Cos'
        'P' = 'Personal Service (not Medical)'
        'Q' = 'Credit Union'
        'R' = 'Real Estate & Public Accommodations'
        'S' = 'Sporting Goods'
        'T' = 'Farm and Good Supplies'
        'U' = 'Utilities and Fuel'
        'V' = 'Government'
        'W' = 'Wholesale'
        'X' = 'Advertising'
        'Y' = 'Collection Services'
        'Z' = 'Miscellaneous';


run;
